States with Valued Policy Laws: Comprehensive List for Insurance Claims

The following states have enacted Valued Policy Laws, which generally require insurers to pay the full policy limit (rather than actual cash value) for a total loss to real property by a covered peril:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Note: Specific provisions, thresholds, and covered perils vary by state. Consult local statutes or an insurance professional for details.